Comparison

PayPal vs zaky

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

zaky

This app simplifies financial transactions with features like money transfers, mobile recharges, and bill payments. It also offers gaming and app e-vouchers, eSIM services, and a prepaid card with control features in select regions.

Highlights
  • Send and receive money via mobile number
  • Purchase gaming and app e-vouchers
  • Local and international mobile recharge
  • Utility bill payments
  • eSIM services
  • Prepaid Visa card with control features
Features
Read full description

Zaky is the ultimate mobile payment app designed to streamline your financial transactions while adding a touch of innovation. Combining security and convenience, Zaky enables you to make the most of your smartphone for all your financial needs. Download now and explore zaky's incredible features. Features* include: 1. Send & Receive Money: Effortlessly transfer funds to friends and family using just a mobile number, making payments and receiving funds a breeze. Receive money from a zaky user or using a generated payment link with few clicks 2. Gaming & App e-Vouchers: Purchase e-vouchers for your favorite gaming, shopping, and entertainment apps, such as iTunes, PlayStation, Xbox, Amazon, Netflix, and more. 3. Local & International Mobile Recharge: Easily recharge your prepaid mobile or any international prepaid line, supporting numerous operators such as Vodafone, MTN, STC, and Orange. 4. Bill Payments: Settle your utility bills conveniently and securely through the Zaky app. 5. eSIM Services: Enjoy instant access to international cellular data eSIM services within the app. 6. Zaky Card : Benefit from a Visa prepaid card, accepted by millions of merchants locally and globally. 7. Card Control : Take charge of your Zaky card with features like balance inquiry, e-pin, lock/unlock, and transaction history. 8. Cash Rewards Management : Redeem your cash rewards program as desired, right from the app. For full details on services in your market, visit: zaky.com Iraq: Phone: 009647713847517 or hotline 6252 | Email: wecare@areeba.iq

Screenshots

PayPal4 screens
zaky4 screens

Verdict

The call

The clearest difference is rating: PayPal at 4.8 against zaky's 3.9. PayPal also leads on ratings volume (6.3M vs 46) and chart position (#4 vs unranked). zaky's advantage is review sentiment (61% vs 21%) and ads (none vs shown). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

PayPal holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 46, so its average is the more settled of the two. Written reviews complicate that: 21% of PayPal's written reviews are positive against 61% of zaky's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on September 24, 2026 and September 1, 2026 respectively.

Scorecard7 real differences · 4 level
PayPal versus zaky: the parameters behind the verdict, then further details
ParameterPayPalzaky
PriceFreeFree
Rating4.8 (6.3M ratings) — better3.9 (46 ratings)
Positive reviews21.4% of reviews61.1% of reviews — better
Number of ratings6.3M — better46
Update frequencyWeeklyWeekly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.415.6 — better
Further details — not scored
Size767 MB132 MB
Age rating4+4+
DeveloperPayPal, Inc.areeba SAL

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,638 reviews
Positive21.4%
Neutral5.1%
Negative73.5%

zaky

All ratings46 ratings
Positive73.9%
Neutral0.0%
Negative26.1%
Written reviews18 reviews
Positive61.1%
Neutral0.0%
Negative38.9%

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

zaky

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

None

zaky

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is zaky free?
zaky is free to download, with no in-app purchases.
Which has better reviews, PayPal or zaky?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while zaky averages 3.9 from 46 ratings.
Do PayPal or zaky have ads?
PayPal shows ads; zaky does not.
Which is updated more often, PayPal or zaky?
PayPal ships an update weekly, and zaky weekly. Most recently, PayPal was updated on September 24, 2026 and zaky on September 1, 2026.

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